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We have access to many lines of insurance. Below are some of the most popular policy types.

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Posts designed to teach about insurance and business related subjects and written with an educational tone in easy-to-understand plain language.

4 Common Business Risks That Photographers Face


Photography is a profession growing in popularity and faces risks like damage to property and failure to perform services. Learn how insurance can mitigate these risks.

Photography is an art that has become more valued over time. With the exponential growth of technology and the new and improved cameras, lenses, and lighting, there is a limitless potential market for photographers; however, there is also vast risk. Being a professional photographer is a unique profession. The purpose of this article is to discuss three common risks that every photographer and photography business will face and how photographer’s insurance can help mitigate those risks.
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What Kind of Insurance Do Small Businesses Need?


In this article, we discuss some of the most common insurance policies small business owners purchase for their companies and why they're important.

Small businesses are the foundation for future economic success; they bring forth the innovation to increase efficiency in our evolving world. However, insurance companies make it difficult to figure out when to get your first commercial insurance policy and what policy is the best fit for your company. There are many different types of policies and types of insurance for different aspects of your business. Therefore, there are a few things to keep in mind when initially considering shopping for insurance for your small business.
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3 Easy Ways to Increase Cyber Security for Your Small Business


In this post, cybersecurity expert Nick Santora from Curricula explains three easy ways any small business can better protect itself from today's digital threats.

Running a small business is tough. You have deadlines, payroll to meet, taxes to handle, customers with challenges, rent to pay and the list goes on. But did you know that 50% of SMBs have been breached in the past 12 months? I know what you’re thinking. Well, we are too small, who would want to go after us? We don’t have anything a hacker would want.
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The Difference Between Cyber Liability and Technology Errors and Omissions Insurance


Cyber liability and technology errors and omissions insurance are two popular types of policies. In this post, we look at the differences between the two.

In response to a question we’re regularly asked by prospective customers, we decided to write an article briefly discussing the differences between cyber liability insurance and technology errors and omissions insurance while also explaining why these two different policies should be combined. We’ve written multiple times about each of these types of policies separately, but understanding how they work together will ensure your company is not only getting the most from each type of insurance but that there aren’t any critical gaps in protection. Continue Reading “The Difference Between Cyber Liability and Technology Errors and Omissions Insurance”

Making Sense of Cyber Liability Insurance


Cyber liability insurance is a critical policy that all companies need to strongly consider. In this post, we'll explain what it does and doesn't cover.

Most people who own or run a business are aware of the many digital risks threatening their companies with increasing frequency. As new mainstream companies announce data breaches seemingly weekly, business owners are educating themselves on ways to avoid falling victim to cybercrime. But what happens when a company’s cyber defenses fail? That’s where insurance comes into play; specifically, cyber liability, or data breach, insurance. Continue Reading “Making Sense of Cyber Liability Insurance”

5 Things to Know If Someone Is Injured at Your Photography Studio


For photographer's who operate out of a photography studio, it's important you know what to do in the unfortunate circumstance that a client is injured.

While some photographers are used to working on location or at venues, many operate a photography business out of a photography studio. Whether you operate a studio out of your home or out of a dedicated commercial space, your company faces a unique set of risks and should prepare for those risks accordingly. One of the biggest exposures is the risk of injury to a client while at the studio for a shoot.
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Making Sense of Photography Equipment Rental Insurance


In this post, we discuss the answer to a question photographers ask us regularly: "How do I properly insure photography equipment that I rent?"

Photography is an equipment-intensive profession with the tools a photographer depends on easily adding up to tens of thousands of dollars in value. From camera bodies to lenses to lighting, most photographers acquire the equipment they need over the course of their careers given the associated costs. But what happens when a photographer doesn’t have the tools necessary to complete a shoot or fulfill a contract? That’s where photography equipment rental comes in.
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What Insurance Do Subcontractors Need?


Subcontractors and artisan contractors often operate in industries with unique risks. In this post, we discuss the insurance these types of companies need.

Subcontractors, or artisan contractors, are a profession that is held to extremely strict insurance requirements. This is primarily because this profession typically involves risks that can cause significant injury to people or extensive damage to property. For example, when a professional in the construction or artisan contractor industry is ready to perform their job duties, they are required to show proof of insurance before any work can be performed and before they are allowed on any job site. So, let’s take a look at the types of business insurance subcontractors and artisan contractors should make sure they have in place.

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What Insurance Do Independent Contractors Need?


While the insurance needs of independent contractors and sole proprietors aren't as complex as larger businesses, a few types of policies may be needed.

A recent study conducted by the global consulting agency Accenture estimates that by the year 2020, 40% of America’s total workforce will consist of sole proprietor independent contractors. What this will equate to is more than one hundred million new “companies” with only one employee and each of one will be required to have the same type of business insurance as larger businesses do. So, if you’re thinking about leaving the grid of your day job to pursue a career as an independent contractor, if you’re already running a sole proprietorship, or if you own a company that ever hires independent contractors, then the information that follows will help you understand the types of insurance policies that sole proprietors should have in place to operate protected.
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How Data Breaches Affect Small Businesses


Data breaches are serious problem and they don't just affect big corporations. Increasingly, small businesses are being hit by this expensive cyber threat.

While hacking-related data breaches and subsequent ransom demands to large corporations like HBO, Target, and Home Depot understandably garner widespread attention, the resulting assumption that only large companies face this growing digital threat couldn’t be further from the truth. In fact, a study in 2016 found that 43% of all cyber attacks targeted small businesses. Even more alarming is that a staggering 60% of small businesses hit with a cyber attack or data breach go out of business within 6 months. Let’s take a look at specifically how this increasing threat affects small businesses.
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